2022 BUSINESS PARTNER DIRECTORY
The Utah Bankers Association is a financial services trade association comprised of Regional, Community, and Industrial Banks. The Association’s mission is to: • Promote a favorable image and understanding of the banking industry to the general public and maintain the public confidence in the strength and security of Utah’s financial service industry; • Protect the industry against legislation or regulation which could result in undue or burdensome oversight or competitive disadvantage; and • Provide (i) membership with assistance and resources designed to improve operational efficiency and profitability, and (ii) a forum for open communication between providers of financial services in Utah. MISSION STATEMENT
UTAH BANKERS ASSOCIATION 3 Disclaimer: The publication of advertisements does not necessarily represent endorsement of those products or services by the UBA or the Utah Banker Magazine. With the exception of official announcements, the UBA disclaims responsibility for the opinions expressed and statements made herein. The editors reserve the right to refuse any advertisement or editorial copy deemed to be unsuitable for publication. President’s Message UBA Business Partners are a valuable resource for our member banks, offering the very best people, products, and services in accounting, correspondent banking, consulting, investment, legal, technology, and beyond. Some of these companies have been partners for over 20 years – consistently evolving and innovating to meet your needs – and we are excited about the many new relationships we have formed this past year. In addition to providing top-of-the-line business solutions, these partners also sponsor the UBA conferences and events you attend each year. Their sponsorship dollars allow us to present the very best educational opportunities. I hope you will refer to this guide as needed throughout the year. We’ve streamlined the format to make it easier to use, with a directory broken up by category, followed by an alphabetized list with company descriptions and contact information. Thank you for your continued support of the UBA and our Business Partners. Howard Headlee, President Utah Bankers Association
4 Associate Members by Category Accountants/CPAs Eide Bailly, LLP FORVIS Moss Adams PwC RSM US, LLP Simpson & Company, CPAs Asset/Real Estate Management BancAlliance Cherrywood Enterprises, LLC EVO Asset Consulting Utah Center for Neighborhood Stabilization Attorneys/Law Firms Dorsey & Whitney, LLP Holland & Hart, LLP Jones Waldo Kirton McConkie Parsons Behle & Latimer Ray Quinney & Nebeker, PC Scalley Reading Bates Hansen & Rasmussen Snell & Wilmer, LLP Bank Advisory Services FinPro, Inc. Bank/Office Supplies ODP Business Solutions Brokerage Services FBBS GPS Capital Markets, Inc. Lendio Utah Business Intelligence Clear Core, LLC Capital Partners GPS Capital Markets, Inc. IntraFi Network Lendio Utah Stephens, Inc. Card Services Discover Debit PULSE, a Discover Company Certified Development Company B:Side Capital Mountain West Small Business Finance Wasatch Business Finance Check Printing Vericast Collections Cherrywood Enterprises, LLC Compliance/Audits Abrigo Compliance Alliance, Inc. Compliance Services Group CrossCheck Compliance RSM US, LLP Core/Data Processing BMA FPS GOLD Kadince, Inc. SPARK Correspondent Services Bankers’ Bank of the West Bell Bank GPS Capital Markets, Inc. PCBB Zions Correspondent Banking Group
UTAH BANKERS ASSOCIATION 5 CRA Services Kadince, Inc. Rocky Mountain CRC Utah Center for Neighborhood Stabilization Cybersecurity Executech Document Shredding Shred-It Due Diligence CrossCheck Compliance Education OnCourse Learning Fee Income Strategies StrategyCorps Flood LERETA, LLC Furniture & Fixtures ODP Business Solutions Insurance ABA Insurance Services, Inc. KeyState Captive Management, LLC Newcleus, LLC Unitas Financial Services Interest Rate Risk Management FBBS PCBB The Baker Group Investment Services BancAlliance D.A. Davidson & Co. FBBS Newcleus, LLC Piper Sandler Companies IT Executech Job Board BankTalentHQ Lending Partners Abrigo B:Side Capital Backbase USA, Inc. BancAlliance Bell Bank Federal Home Loan Bank of Des Moines Lendio Utah Mountain West Small Business Finance Rocky Mountain CRC Upgrade, Inc. Utah Center for Neighborhood Stabilization Utah Housing Corporation Wasatch Business Finance Loan Services BHG Financial Management Consultants Cherrywood Enterprises, LLC West Monroe Partners, LLC Marketing Solutions Bank Marketing Center StrategyCorps Vericast Merchant Services Select Bankcard Peer Analysis Bank Trends Clear Core, LLC Printing ODP Business Solutions Quality Control CrossCheck Compliance Software Providers Abrigo Backbase USA, Inc. Clear Core, LLC Kadince, Inc. SPARK vCom Technology Audits & Risk Assessments RSM US, LLP Training OnCourse Learning Wholesale Function & Treasury Services GPS Capital Markets, Inc.
6 ABA Insurance Services, Inc. 3401 Tuttle Rd., Ste. 300 Shaker Heights, OH 44122 Mike Read (800) 274-5222 mread@abais.com www.abais.com ABA Insurance Services, a Member of Great American Insurance Group, provides D&O, bond and cyber insurance to financial institutions, including trust companies and banks in organization, through UBA’s Endorsed Vendor program. Recognized as insurance experts who understand banking operations, our tenured and experienced team of underwriting and claims professionals are highly regarded for their in-depth knowledge and expertise. We help mitigate risks by providing valuable loss control resources such as SafeTalk® newsletters, SafeAlert® bulletins, and webinars. With a 30% nationwide market share, the program is a market leader that has been supporting the banking industry for over 30 years; the program’s primary reinsurer, American Bankers Mutual Insurance, Ltd., has declared a distribution to eligible banks for 31 consecutive years, totaling over $91 million. P&C, Excess insurance and STAMP surety bonds are also available from ABA Insurance Services. Abrigo 5444 Wade Park Blvd., Ste. 400 Raleigh, NC 27607 Candace Sundahl (512) 279-5797 candace.sundahl@abrigo.com www.abrigo.com Abrigo enables more than 2,300 U.S. financial institutions to support their communities through technology and advisory services that grow loans and deposits and optimize risk. Abrigo’s platform centralizes the institution’s data, creates a digital user experience, and delivers efficiency for scale and profitable growth. Abrigo’s team of industry experts can give your institution the guidance needed to stay on the path toward increased profitability. From portfolio risk and CECL to BSA/AML, our advisory services team helps you solve problems. Learn more at Abrigo.com. B:Side Capital 3350 Brighton Blvd., Ste. 135 Golden, CO 80401 Lauren Kloock (303) 657-0010 lkloock@bside.org www.bsidecapital.org B:Side Capital is shaking up small business lending in the Rocky Mountain Region. They remain steadfast in their mission of over 30 years to foster the economic growth of diverse small businesses. As a Certified Development Company and Lender Service Provider, B:Side Capital is committed to serving its Associate Members Alphabetically
UTAH BANKERS ASSOCIATION 7 lending partners through Small Business Administration 504 and 7(a) loans. They care about creating access to responsible capital for small businesses and being a resource for banks and entrepreneurs alike. Since 1990, they’ve funded nearly 4,100 small business loans helping to create over 30,000 jobs and injecting $4.98 billion into the economy. More information can be found at www.bsidecapital.org. Backbase USA, Inc. 10 10th St., NE Atlanta, GA 30309 Jacqueline Hickman (208) 800-2871 jacqueline@backbase.com www.backbase.com Backbase is a fast-growing fintech software provider that empowers financial institutions to accelerate their digital transformation and effectively compete in a digital-first world. We are the creators of the Backbase Omni-Channel Banking Platform, a state-of-the-art digital banking software solution that unifies data and functionality from traditional core systems and new fintech players into a seamless digital customer experience. We give financials the speed and flexibility to create and manage seamless customer experiences across any device and deliver measurable business results. We believe that superior digital experiences are essential to staying relevant, and our software enables financials to rapidly grow their digital business. More than 120 financials around the world have standardized on the Backbase omnichannel banking platform to streamline their digital sales and self-service operations across all digital touchpoints. Our customer base includes ABN AMRO, Bank ABC, Barclays, BPI, CheBanca!, Citizens Lightstream, Credit Suisse, Fidelity, HDFC, IDFC, KeyBank, Ila Bank, Me Bank, Navy Federal, PostFinance, RBC, RBS, Standard Bank, Societe Generale, Truist, U Bank and Westpac. BancAlliance 4445 Willard Ave., Ste. 1100 Chevy Chase, MD 20815 Brendan Hart (301) 232-5423 bhart@alliancepartners.com www.bancalliance.com BankAlliance provides community banks with efficient access to lending services available only through membership. Join 260+ banks nationwide in the benefits of the network: • Grow & diversify your loan portfolios • Maintain and grow your customer base • Participate in engaging training • Efficiency and regulatory support Bank Marketing Center 95 Old Stratton Chase Atlanta, GA 30328 Neal Reynolds (678) 528-6688 nreynolds@bankmarketingcenter.com www.bankmarketingcenter.com BankMarketingCenter.com (BMC) is a web-based marketing portal that empowers banks to produce professionally designed, bank-branded marketing materials in a matter of seconds. BMC puts you in complete control of the ad production process for your bank, saving valuable time and money. BMC has thousands of successful marketing materials including ads, direct mail, statement stuffers, flyers, posters, digital signage and more. The process is easy. On the site, you can select a marketing piece and customize it within seconds. Your bank’s logo and contact info will be automatically inserted into the ad.
8 You can edit the copy, colors, layout size, and fonts, and select from over nine million stock photos from Getty Images. Finished materials are then sent automatically to your compliance department for approval and then to your publication or printer. BankMarketingCenter.com has proven to be so successful that banks of all sizes are now using this valuable service nationwide. Program Benefits: 20% discount for UBA members. Web-based and easy to use. No software required. Software routes ad materials through the bank’s compliance approval process. Order history allows ad materials to be reviewed by regulators. Professional advertising and marketing materials can be produced in seconds. Select and use local media and printers. Unarchive previous ads and edit them in seconds. Users can have their photos and personal info automatically appear on ad materials. Privately labeled marketing sites can be developed for large banks. Letter templates eliminate bad grammar and misspelled words. Databases can be added, with completed letters produced and printed in seconds. Bank Trends 175 S. Main St., Ste. 500 Salt Lake City, UT 84111 (877) 717-6743 bank-trends.com Bank Trends is a Web-based software application designed specifically for community bankers that provides in-depth peer group and trend analysis using Call Report data. Bankers’ Bank of the West 1099 18th St., Ste. 2700 Denver, CO 80202 Karen Maydick (303) 291-3700 kmaydick@bbwest.com bbwest.com Bankers’ Bank of the West (Member FDIC) has supported community banks with high-quality, affordably priced correspondent solutions and expert customer service since 1980. Services include loan participations for overline, share-the-risk, and concentration management; bank stock and direct loans to banks; and municipal leasing. We offer professional safekeeping and access to investment portfolio accounting services. Additionally, we provide cash letter processing and settlement services; agent fed funds and fed funds lines; wire transfers; international services; and certificates of deposit. Bank card products include ATM and debit card processing; merchant services and mobile payments solutions; and credit, debit, and prepaid cards.
UTAH BANKERS ASSOCIATION 9 BankTalentHQ 3201 W. White Oaks Dr., Ste. 400 Springfield, IL 62704 www.banktalenthq.com BankTalentHQ is the premier talent management site for banking careers. It allows Utah banks to reach a nationwide audience by posting job openings for your institutions, with the ability to purchase a single 30-day post or a discounted posting package to fill multiple vacancies. Visit banktalenthq.com to post or search for a job. Bell Bank 2435 S. Honeysuckle Cir. Mesa, AZ 85209 Tracy Peterson (480) 339-8533 tpeterson@bell.bank bell.bank Bell Bank is one of the largest independently owned banks in the nation, with assets of more than $9 billion. As a privately held company — owned by several majority stockholders, about 140 additional stockholders and Bell employees through an employee stock ownership plan (ESOP) — we don’t have the pressure of next quarter’s earnings. Instead, we focus on a healthy balance of profitability, growth and nurturing relationships. Unlike a typical correspondent bank, Bell’s focus is working as your partner. We have larger hold limits, so we won’t resell your loan participation with us. We also have a team dedicated to correspondent banking and credit, so we can provide flexible underwriting, competitive lending terms and prices, fast decision-making and consistent communication. Having partnered with more than 300 other independent community banks across 16 states, we’ll help you enhance your customer relationships through our experience-based expertise in participation loans, bank stock and ownership loans and equipment financing. In providing these services, we become your behind-the-scenes partner, helping you work in a larger relationship without threatening your relationship with your customer. Member FDIC. BHG Financial 10234 W. State Rd. 84 Davie, FL 33324 Meaghan Kincaid (866) 297-4664 mkincaid@bhg-inc.com bhgfinancial.com Since 2001, BHG has originated $9.4 billion in loan solutions for top-performing borrowers, that community banks can purchase through a state-of-the-art platform, The BHG Loan Hub. To date, 1,400+ banks have diversified their portfolios and earned nearly $1 billion in combined interest income by trusting in BHG’s time-tested and proven assets. BMA 2151 S. 3600 W. Salt Lake City, UT 84119 Kevin Stevenson (801) 978-0200 ext.121 kevin.stevenson@bmabankingsystems.com bmabankingsystems.com BMA offers expert individualized software solutions to make your bank successful. BMA is an innovative leader in software technology by providing outstanding core processing services. Whether you have an
10 existing bank, creating a new bank, need custom programming or IT services, our software can be built to meet your specific needs and wants. Our team is customercentric, we put you first! We’re focused on providing the ultimate customer care experience while delivering outstanding products. Call to schedule a discovery meeting or demonstration. Cherrywood Enterprises, LLC 6901 Okeechobee Blvd., # D5-l2 West Palm Beach, FL 33411 Craig M. Geisler (561) 508-7650 cgeisler@cherrywoodenterprises.com cherrywoodenterprises.com Cherrywood Enterprises is a buyer of charged-off debt files. We purchase charged off credit cards, consumer loans, overdraft accounts, commercial loans, and even judgments! Clear Core, LLC 9040 S. Rita Rd., Ste. 1270 Tucson, AZ 85747 Buck Strasser (520) 413-5200 buck@clearcore.us www.clearcore.us Clear Core leverages cutting-edge artificial intelligence and data science to automate the data governance and data augmentation processes. Reducing effort, cost, and fixing decades of bad data in real time. Clear Core makes data analysis and quick answers to new questions available to all. Compliance Alliance, Inc. 203 W. 10th St. Austin, TX 78701 Scott Daugherty (888) 353-3933 scott@compliancealliance.com www.compliancealliance.com Owned by 30 State Bankers Associations, Compliance Alliance provides an allinclusive compliance solution for banks of all sizes. Membership offers three main areas of support including downloadable documents, a compliance hotline and review services. Compliance Alliance members receive unlimited access to all products and services for one annual fee. Visit www.compliancealliance.com for more information about the benefits of a membership with Compliance Alliance.
UTAH BANKERS ASSOCIATION 11 Compliance Services Group, LLC 2405 Evergreen Park Dr., SW, Ste. B4 Olympia, WA 98502 John Bley (360) 943-7137 john.bley@complianceservicesgroup.com complianceservicesgroup.com Compliance Services Group, LLC is the product of two nationally respected companies that provide responsive and high-quality compliance consulting and audit services for financial institutions of all types. Our team of consulting and auditing professionals, with decades of consulting, auditing, and financial institution experience, serves over 175 financial institutions throughout the nation. Compliance Services Group, LLC is focused on meeting your financial services compliance needs at a value proposition. We can help you implement and maintain a high-quality compliance management program for less than it costs to maintain internal expertise. We also offer compliance audit services either on an independent basis for board audit and supervisory committees or on behalf of the management team. We invite you to explore our services options to examine what we can do for the benefit of your institution. CrossCheck Compliance, LLC 810 W. Washington Blvd. Chicago, IL 60607 Liza Warner (312) 346-4600 lwarner@crosscheckcompliance.com crosscheckcompliance.com CrossCheck Compliance, LLC — headquartered in Chicago — is a nationwide consulting firm providing regulatory compliance, internal audit, fair lending, loan review/due diligence and litigation support services exclusively to the financial services industry. Since our founding in 2008, we have built a reputation for tailoring solutions that fit each client’s size, complexity and business needs. Our experts adeptly identify the needs and challenges of our clients, having held similar positions as compliance FEEL SECURE. BE SECURE. Contact us today! 801.489.9600 securityservicesutah.com Video Surveillance Electronic Alarm Systems Vault and Safe Locks Access Control Under Counter Steel Pneumatic Drive Up Equipment Deal Drawers Audio/Visual Sound Systems Networking/Structured Wiring
12 officers, internal auditors, general counsel, outside counsel, regulators, underwriters, and consultants. Our experienced and credentialed professionals have expertise in federal and state financial regulations, as well as certifications in accounting, compliance, risk, internal audit, fraud, underwriting, BSA/AML and mortgage banking. This means our clients receive the highest level of professional standards of knowledge and ethics. We are also wellknown for our industry involvement with trade associations serving on boards and committees, presenting at industry events, and as published authors for key industry publications. D.A. Davidson & Co. 8 Third St., N Great Falls, MT 59401 Tom Hayes (406) 268-3084 thayes@dadco.com dadavidson.com D.A. Davidson & Co. is a full-service investment banking firm. In addition to research, market making and fixed income sales and trading, Davidson is the leading provider of investment banking services (M&A advisory services and capital raising) to banks in the Western U.S. Discover® Debit 1301 McKinney St., Ste. 2500 Houston, TX 77010 Mark Froemke (605) 336-3409 markfroemke@discover.com www.discoverdebit.com Discover® Debit offers banks a compelling alternative in signature debit. With superior economics, simplified rules and fee transparency, a comprehensive fraud mitigation program and stronger program flexibility, Discover Debit is a direct route to greater profitability. Dorsey & Whitney, LLP 111 S. Main St., 21st Fl. Salt Lake City, UT 84111 Steven Waterman (801) 933-7365 waterman.steven@dorsey.com www.dorsey.com Dorsey & Whitney provides legal representation in all aspects of commercial banking with particular experience in all types of lending, litigation, bankruptcy and receiverships, mergers and acquisitions, and regulatory matters. Founded in 1912 at the request of a bank, Dorsey has a century of service in the financial services industry. Dorsey represents lead arrangers, administrative agents, lending banks and borrowers in syndicated, club and single-bank credit transactions. The firm also represents banks in out-of-court workouts, receiverships, bankruptcy and financial restructurings. Its experience includes representing underwriters and issuers in
UTAH BANKERS ASSOCIATION 13 high yield and Rule 144A transactions. In addition, Dorsey advises national banks, multi-bank holding companies, regional banks, and foreign banks on regulatory matters. Dorsey attorneys have experience before regulatory bodies, including the Board of Governors of the Federal Reserve System, U.S. Treasury Department (including the Office of the Comptroller of the Currency, the Office of Foreign Assets Control and the Financial Crimes Enforcement Network), FDIC, SEC, FINRA, NYSE, SIPC, and State banking, insurance and securities regulators. Dorsey’s experience extends to representing banks in commercial litigation, including commercial collections, foreclosures, class actions, and defense of lender liability and consumer cases. Please visit www.dorsey.com for more information. Eide Bailly, LLP 5 Triad Center, Ste. 600 Salt Lake City, UT 84121 Gary Smith (888) 777-2015 gsmith@eidebailly.com www.eidebailly.com/fi As CPAs and business advisors, Eide Bailly serves banks by providing tax and assurance services, internal audits, compliance consulting and loan review services, technology examination services, strategic planning, bank stock valuations and bank merger & acquisition analysis and assistance and fraud investigation. Eide Bailly is ranked as one of the 25 largest CPA firms in the nation. The regional CPA and business advisory firm offers a team of professionals who work specifically with clients in the financial institution industry. What inspires you, inspires us. EVO Asset Consulting 114 S. 140 W. Lindon, UT 84042 Madisyn Mower (801) 953-8408 maddy@joinevo.com www.joinevo.com EVO Asset Consulting delivers a fullfeatured REO solution and a seasoned consulting team to handle everything it takes to liquidate a property. REO doesn’t need to be a headache. In fact, we can change your whole outlook on asset management with an easy-to-use solution that simplifies your processes, drives efficiency, increases compliance, and most importantly, generates profit. No matter your size, no matter the property type or how many you have, EVO and Zoocom deliver results. Executech 1314 W. 11400 S. South Jordan, UT 84095 Lee Weech (801) 253-4541 lee.weech@executech.com www.executech.com Executech is an award-winning, managed IT services provider. Executech provides enterprise-quality IT support to small and medium-sized organizations across the West. Executech is defined by its people and every client is supported by a team of professional and friendly experts.
14 FBBS 1099 18th St., Ste. 2700 Denver, CO 80202 Duane Kerner (720) 709-7613 dkerner@fbbsinc.com firstbankersbanc.com FBBS was founded in 1984 to service community banks and their investment portfolio needs in a simple and straightforward manner. For over 30 years, FBBS has worked with over 1,000 clients in more than 25 states. Initially founded with the purpose to service community bank investment needs, the scope of our client coverage has evolved over time. Today we service investment needs for not only community banks, but also trust companies, insurance companies, investment advisors, wealth managers, municipalities, corporations and individuals. No matter the type of client, we are committed to upholding our philosophy of exceptional service through individualized attention. Our experienced traders and sales representatives are dedicated to providing the appropriate products, services and trade execution tailored to our clients’ needs. The FBBS team believes the success of our clientele is the future of our firm. Federal Home Loan Bank of Des Moines 909 Locust St. Des Moines, IA 50309 Zachary Bassett (800) 544-3452 zbassett@fhlbdm.com www.fhlbdm.com The Federal Home Loan Bank of Des Moines is a member-owned financial cooperative that provides liquidity, funding, and services to enhance our members’ success and the availability of affordable homes and economic development in their communities. FinPro, Inc. 158 Route 206 Gladstone, NJ 07934 Scott Polakoff (908) 234-9398 spolakoff@finpro.us www.finpro.us FinPro, Inc. is a full-service management consulting firm specializing in providing advisory services to the financial institution industry. FinPro is an industry leader in strategic planning, board retreat moderation, planning, enterprise risk management, leadership and education, corporate governance, market feasibility, de novo bank formation, asset/liability management, and regulatory consulting, FinPro also conducts M&A through its wholly-owned subsidiary, FCA, as a FINRA registered broker/dealer.
UTAH BANKERS ASSOCIATION 15 FORVIS 510 S. 200 W., Ste. 200 Salt Lake City, UT 84101 Bud Hollenkamp (303) 861-4545 bud.hollenkamp@forvis.com www.forvis.com FORVIS, LLP ranks among the nation’s top 10 professional services firms. Created by the merger of equals of BKD, LLP and Dixon Hughes Goodman, LLP (DHG), FORVIS is driven by the commitment to use their forward vision to deliver unmatched client experiences. FORVIS is built on the strong legacies of BKD and DHG, which is reflected in a name comprised from partner initials that represents their unique focus on preparing clients for what is next. With more than 5,400 dedicated professionals who serve clients in all 50 states and around the globe, FORVIS offers comprehensive assurance, tax, advisory and wealth management services. Visit FORVIS.com for additional information. FPS GOLD 1525 W. 820 N. Provo, UT 84601 Matt DeVisser (801) 429-2126 mattd@fps-gold.com www.fps-gold.com Since 1964, FPS GOLD has been an integral part of the computerized dataprocessing industry. We specialize in helping banks gain a competitive advantage immediately by providing better banking services that include a core and wire system to help you cut your data-processing costs, add greater flexibility, improve productivity, and integrate all systems for better profitability management and reporting. We know from experience that FPS GOLD’s products and services will give your bank a competitive advantage, one that will lead to profitability at a very fast pace. Core Processing, Relationship Banking, General Ledger, Deposit Platform, Loan Origination, Internet Banking, Telephone Banking, Item & Payment Processing, Check Imaging, Customer Verification and Wire System. GPS Capital Markets, Inc. 10813 S. River Front Pkwy., Ste. 400 South Jordan, UT 84095 Randal Roberts (800) 459-8181 rroberts@gpsfx.com www.gpsfx.com GPS Capital Markets is a leading corporate foreign exchange brokerage firm. We have around-the-world, around-theclock FX services. Holland & Hart, LLP 222 S. Main St., Ste. 2200 Salt Lake City, UT 84101 Timothy Crisp (801) 799-5800 TSCrisp@hollandhart.com www.hollandhart.com Founded in 1947, Holland & Hart is a full-service Am Law 200 firm with offices in eight states and in Washington, D.C. We deliver integrated legal solutions to regional, national, and international clients of all sizes in a diverse range of industries. For more information, visit www.hollandhart.com or on Twitter @HollandHart.
16 IntraFi Network 1300 17th St. N, Ste. 1800 Arlington, VA 22209 Bryan Harper (703) 292-3462 bharper@intrafi.com www.intrafi.com Promontory Interfinancial Network is now IntraFi Network. Having built the largest bank network of its kind, we’re a trusted ally to community banks that never competes with banks for their customers and helps to attract and maintain valuable customer relationships, grow reciprocal deposits, manage liquidity and generate fee income, diversify funding, and reduce collateralization. Work with the market leader to grow profitability and increase franchise value. IntraFi Network’s innovative balance sheet management solution – known as IntraFi Network Deposits (formerly CDARS, ICS, and IND deposit solutions) – empowers institutions to increase profitability, grow franchise value, manage liquidity more easily, and serve customers better. To learn more, visit IntraFi.com. Jones Waldo 170 S. Main St., Ste. 1500 Salt Lake City, UT 84101 (801) 521-3200 www.joneswaldo.com Founded in 1875, Jones Waldo has assisted commercial clients in all aspects of business for more than a century. We are a full-service law firm of more than 75 lawyers committed to providing innovative solutions to business problems. Our firm comprises a number of interrelated practice areas, which equips us to assemble a customized legal team to handle your most difficult challenges. Our specialists in the various practice groups have demonstrated a great ability to develop a deep understanding of our clients’ industries, which often allows us to proactively anticipate our clients’ needs before problems develop. Jones Waldo is based in Salt Lake City, Utah, with offices in Lehi and Park City, Utah, and Chicago, Illinois.
UTAH BANKERS ASSOCIATION 17 Kadince, Inc. 2485 Grant Ave., Ste. 300 Ogden, UT 84401 Casey Elliott (385) 350-2826 casey@kadince.com kadince.com Managing, tracking, and reporting on community involvement is timeconsuming. Kadince streamlines community involvement management for financial institutions. With Kadince, you will save time so you can make a greater impact in your community. Kadince can also streamline your marketing approval management and complaint management. KeyState Captive Management, LLC P.O. Box 50102 Henderson, NV 89016 Brian Amend (702) 598-3738 bamend@key-state.com www.key-state.com/captive-management.aspx KeyState Captive Management, LLC, an affiliate of The KeyState Companies, has partnered with the Utah Bankers Association to offer a unique bank captive insurance program to Utah banks. The bank captive program is designed by national accounting firm Crowe Horwath, LLP and then administered by KeyState Captive Management. Banks that fit a certain asset size and earnings criteria can form their own wholly-owned captive insurance company to finance risks (that are not commercially insured) in a tax-advantaged way. KeyState and its affiliates have been working with banks for over 22 years providing Nevada investment subsidiary, portfolio management, and asset-liability consulting services. We are pleased to now introduce the bank captive program. Kirton McConkie 50 E. South Temple, Ste. 400 Salt Lake City, UT 84111 Gary Winger (801) 328-3600 gwinger@kmclaw.com www.kmclaw.com Kirton McConkie is a full-service law firm successfully representing business, real estate, intellectual property, litigation, international, technology, healthcare, construction, employment, tax and estate planning clients. Our attorneys understand how clients think about their challenging situations and strive to guide them through legal processes while keeping business objectives in mind. For this reason, clients from start-ups to multinational companies have come to rely on our attorneys for their business advice and legal acumen. Lendio Utah 1064 N. County Blvd., Ste. 100 Pleasant Grove, UT 84062 Jason Kirkham (801) 675-8914 jason.kirkham@lendiolocal.com www.lendio.com Lendio is a marketplace for business loans. Our network of lenders funds all industries with a variety of loan products including lines of credit, short-term working capital, equipment financing, factoring, SBA, and term loans.
18 LERETA, LLC 1123 Park View Dr. Covina, CA 91724 John Short (626) 667-1506 jshort@lereta.com lereta.com LERETA provides real-time flood zone determination services that include flexible levels of service based on our customers’ needs from simple delivery of flood zone determination to complete portfolio life-ofloan tracking. Our innovative technologies and dedicated team of real estate tax and flood service professionals provide the mortgage and insurance industries the fastest, most accurate and complete access to property tax and flood information across the country. LERETA’s Flood Service options include Flood Zone Certification: all flood certifications are determined using digital and hard copy FEMA Flood Insurance Rate Maps and Flood Hazard Boundary Maps in conjunction with geocoding software, street maps, tax maps, plats, and aerial and satellite photos. LERETA’s Flood Services offer Basic Determination/Certification: a one-time certification that satisfies Federal regulatory market requirements at origination. HMDA/Census Tracking information is available with each determination. Lifeof-Loan Determination/Certification: the certification assures compliance with all Federal regulatory and secondary market requirements and provides the flood hazard status of the property for the life of the loan. Services include fast flood zone determination turnaround times – over 99% of our orders are completed and delivered back in 24 hours; 89% are delivered instantly, accurate, to-thestructure determinations; easy, convenient access to instant certificates and borrower notices; life-of-loan flood services include monitoring and reporting of ALL changes in the flood hazard status of the loan; monthly flood hazard reports; tracking of the flood hazard status of existing and acquired loans is available. Moss Adams, LLP 601 W. Riverside Ave., Ste. 1800 Spokane, WA 99201 Mike Thronson (509) 747-2600 mike.thronson@mossadams.com www.mossadams.com The Moss Adams, LLP Financial Institutions Group serves more than 500 banks, thrifts, mortgage companies, and other financial entities, including more than 40 publicly held institutions. With over 150 skilled individuals firmwide who dedicate virtually all of their public accounting careers to financial institutions, we can provide resources to help you compete more effectively. Our practice serves organizations ranging in size from start-ups to those with greater than $23 billion in assets, and we have experience dealing with all stages of the growth cycle, including de novo, mergers and acquisitions, public markets and SEC reporting, and mutual stock conversions. Founded in 1913 and headquartered in Seattle, Moss Adams is the 11th largest accounting and consulting firm in the United States and the largest headquartered in the West. We aim to make a measurable difference in our clients’ businesses by delivering industry-specific insight, accessible and proactive service, and strong relationships built on candor and trust.
UTAH BANKERS ASSOCIATION 19 Mountain West Small Business Finance 2595 E. 3300 S. Salt Lake City, UT 84109 Danny Mangum (801) 474-3232 dmangum@mwsbf.com mwsbf.com Mountain West Small Business Finance (formerly Deseret CDC) is one of the nation’s leading SBA 504 lenders. Since 1981, MWSBF has done over 3,000 SBA 504 loans, helping to create 50,000 Utah small business jobs and bringing together over $2.5 billion of fixed asset capital. Each SBA 504 loan requires the participation of a bank and the partnership of MWSBF to give the small business customer a low interest, fixed-rate 20-year loan for an owner-occupied building, expansion or equipment. The attractiveness of a first collateral position by the bank and a 10% down payment by the borrower makes the SBA 504 loan become the loan of choice for the bank’s small business borrower. Newcleus, LLC 411 S. State St., 3rd Fl. Newtown, PA 18940 Amy Feminella (267) 291-2130 afeminella@newcleus.com newcleus.com We sell, design, and administer compensation, benefit, investment and financing strategies.
20 ODP Business Solutions www.odpbusiness.com At ODP Business Solutions, our goal is to help you redefine how you work and be more efficient, productive and satisfied in your workplace. Whether you’re looking for furniture and space planning, tech and print services, or options to help you meet your sustainability and diversity objectives, ODP Business Solutions is here to support the success of your business. We bring nearly 30 years of knowledge and experience to the table with capabilities that enable positive business outcomes. Sign up for an ODP Business Solutions account to access discounts, products and support you can count on – FREE. OnCourse Learning P.O. Box 310 Waunakee, WI 53597 www.oncourselearning.com/business/ financial-services/bank OnCourse Learning is a member of Adtalem Global Education (NYSE:ATGE), a global education provider headquartered in the United States. It empowers financial institutions to prepare their frontlines, compliance teams, executive leadership and board of directors with comprehensive enterprise compliance, risk management and professional development education that is effective and engaging. Over 10,000 clients and partners have adopted OnCourse Learning solutions to efficiently manage complexity, change and growth. Plus, over the course of our 40+ year history, we have trained over 190,000 individuals with our NMLS-approved licensure and continuing education courses. Parsons Behle & Latimer 201 S. Main St., Ste. 1800 Salt Lake City, UT 84111 Gary E. Doctorman (801) 532-1234 GDoctorman@parsonsbehle.com parsonsbehle.com Parsons Behle & Latimer offers national expertise in a regional law firm. In addition to being the largest Utah-based law firm, Parsons Behle & Latimer is one of the oldest and best-known firms in the Intermountain Region, offering litigation and business law services since 1882. The firm offers the resources and capabilities of a large and diverse firm, coupled with the highest levels of accessibility and responsiveness. With more than 150 attorneys, it brings a depth and range of experience in the following major areas: Banking & Finance; Corporate Transactions & Securities; Chapter 11 Bankruptcy & Restructuring; Energy; Environmental & Natural Resources; Cybersecurity & Data Privacy; Employment & Labor; Government
UTAH BANKERS ASSOCIATION 21 Relations & Lobbying; Healthcare; Intellectual Property; Litigation; Real Estate; and Tax law. Headquartered in Salt Lake City, Parsons Behle & Latimer has offices in Lehi, Boise, Idaho Falls, Missoula and Reno. PCBB 1676 N. California Blvd., Ste. 300 Walnut Creek, CA 94596 Jay Kenney (415) 399-5800 jkenney@pcbb.com pcbb.com Founded by community bankers in 1997, PCBB was created with the sole purpose of helping community-based financial institutions become stronger. Our goal was to create an organization that could provide fellow bankers with high-quality, competitively priced correspondent banking solutions and personalized service. PCBB provides a comprehensive set of products and services covering multiple areas important to community banks, including correspondent and commercial banking, hedging, and international. PCBB also offers a variety of consulting services ranging from asset-liability management, relationship profitability, loan reserve analysis, and stress testing. Our services are designed to help you compete more effectively, but never to compete against you for your own customers. Piper Sandler Companies 1251 Avenue of the Americas, 6th Fl. New York, NY 10020 Avi Barak 212-466-7700 Avi.Barak@psc.com www.pipersandler.com Piper Sandler is a leading investment bank and institutional securities firm driven to help clients Realize the Power of Partnership®. Through a distinct combination of candid counsel, focused expertise, and empowered employees, we deliver insight and impact to each and every relationship. Our proven advisory teams combine deep product and sector expertise with ready access to global capital. Founded in 1895, the firm is headquartered in Minneapolis with offices across the United States and in London, Aberdeen, and Hong Kong. PULSE, a Discover Company 1301 McKinney St., Ste. 600 Houston, TX 77010 Alia Garces (281) 884-8663 aliagarces@discover.com www.discoverdebit.com PwC 201 S Main St., Ste. 900 Salt Lake City, UT 84111 Ryan Dent (801) 534-3883 ryan.j.dent@pwc.com www.pwc.com/us/en/index.jhtml PwC is the leading provider of audit, tax, and advisory services to financial services companies. The breadth and depth of our experience in the financial services and banking industry cover the areas most relevant to your business, including technical accounting, regulatory, compliance, risk management, outsourcing, securities processing, payments, information risk and security, data quality, mergers and acquisitions, tax, and other services. Our local financial services practice provides these services to many of the top banking institutions in Utah. We help our clients navigate the transformation
22 of the financial services industry by rethinking business strategies, evaluating risk and compliance and implementing smart solutions that work. Ray Quinney & Nebeker, PC 36 S. State St., Ste. 1400 Salt Lake City, UT 84111 Michael Mayfield (801) 532-1500 mmayfield@rqn.com rqn.com Ray Quinney & Nebeker is the region’s top law firm for banks, lease finance companies, and other financial institutions. We have the largest and most sophisticated banking and financial institutions practice in Utah, with many of our lawyers having more than 25 years of experience in this practice area. For decades, the firm has represented the largest multi-state bank holding company in the intermountain west and the largest bank in Utah. We continue to represent a broad range of financial institutions, equipment leasing companies and other credit providers, both large and small, including Utah, regional and national financial institutions. We have years of transactional experience with commercial, real estate, and consumer transactions as well as in other more specialized lending and leasing areas. We have demonstrated expertise in resolving risk management issues for financial institutions and other clients such as with problem loans and leases, workouts, and bankruptcy representation. In short, Ray Quinney & Nebeker is the “go-to” law firm for Utah’s most important and prosperous lenders and lessors. Rocky Mountain CRC 64 E. Winchester St., Ste. 230 Salt Lake City, UT 84107 David Watkins (801) 366-0040 dwatkins@rmcrc.org rmcrc.org Rocky Mountain Community Reinvestment Corporation is a private nonprofit supported by Utah’s banking community. RMCRC was created by these banks over 20 years ago to increase access to financing for housing in low- and moderateincome communities. With the support of its 30-member bank network, RMCRC originates and services commercial loans for affordable housing and community development. Rocky Mountain CRC provides technical assistance, community advocacy, and financial products for both nonprofit and for-profit developers and service providers. Rocky Mountain CRC is certified as a CDFI.
UTAH BANKERS ASSOCIATION 23 RSM US, LLP 515 S. Flower St., 17th Fl. Los Angeles, CA 90071 Dan Shumovich (213) 330-4736 dan.shumovich@rsmus.com rsmus.com RSM’s purpose is to deliver the power of being understood to our clients, colleagues and communities through world-class audit, tax and consulting services focused on middle-market businesses. The clients we serve are the engine of global commerce and economic growth, and we are focused on developing leading professionals and services to meet their evolving needs in today’s ever-changing business environment. RSM US, LLP is a U.S. member of RSM International, a global network of independent audit, tax and consulting firms with more than 43,000 people in more than 120 countries. For more information, visit rsmus.com, like us on Facebook, follow us on Twitter and/or connect with us on LinkedIn. Scalley Reading Bates Hansen & Rasmussen, PC 15 W. South Temple, Ste. 600 Salt Lake City, UT 84101 Darwin Bingham (801) 531-7870 dbingham@scalleyreading.net www.scalleyreading.com Scalley Reading Bates Hansen & Rasmussen, PC is a full-service law firm serving Utah businesses for over 35 years. Lending institutions represent the largest single segment of our clients. Thus, our attorneys are knowledgeable and skilled in addressing all of the specific needs of lenders. With numerous laws enacted to protect the borrower, a lender needs an experienced attorney who knows how to document transactions, enforce loans, and protect the lender. Our firm has attorneys specializing in foreclosures, creditor bankruptcy, debt collection, loan documentation, modification agreements, forbearance agreements, compliance, and lender liability defense. Our firm is large enough to handle complex commercial transactions and litigation, but small enough to respond effectively to each lender’s specific needs. Select Bankcard 170 S. Interstate Plaza Dr., Ste. 200 Lehi, UT 84043 Pete Mudrow (801) 791-1938 pmudrow@selectbankcard.com selectbankcard.com Select Bankcard was founded in 2010 as a full-service merchant account provider. Headquartered in Lehi, Utah, Select Bankcard is focused on creating relationships with its banking partner that engender trust with the bank and its customers, facilitate a streamlined and enhanced experience via technology, and provide meaningful non-interest revenue to the bank. Select Bankcard’s goal is to make merchant accounts a core offering of the bank (rather than being positioned as a defensive product), which better ties customers to the bank and generates significantly more income. Select Bankcard’s team provides a program that is tailored to the needs of each bank, providing training, customized marketing materials, local servicing (both over the phone and in-person), co-branded online interfaces, portfolio reporting, and growth consulting. As an endorsed vendor of the UBA (and as a Utah-based company
24 itself ), Select Bankcard understands that the Utah community banking environment has a proven track record of treating bank depositors exceptionally. Select Bankcard will give you and your customers a better, and more profitable, payment experience. Contact us to find out how we can do this for your bank. Shred-It 205 Winchester Dr. East Stroudsburg, PA 18301 Andrew Allu (917) 528-7940 andrew.allu@stericycle.com www.shredit.com Shred-It Document Destruction Services can help you develop and implement a cost-effective, secure, and compliant document destruction solution. ShredIt security consultants will help you establish a complete document destruction program that is customized to your specific business needs – no matter the size of your organization. Their AAA NAID Certified Destruction solutions provide: secure mobile or off-site document destruction, proof of service tracking using bar coding and scanning technology to assure accuracy; certificate of destruction for a legal audit trail (chain of custody); flexible, customized service options; 100% recycled document destruction, leading the industry in environmental sustainability. UBA program highlights: Reduce your costs with our national account pricing structure; certified PCI compliant and NAID AAA Certified; local flexibility with organizational scalability; onsite and offsite destruction options; superior service quality by the most customer-oriented vendor in the industry; streamline your operations with an organization-wide syndicated document destruction program; and reduce your risk and document related exposure to breaches and compliance issues. Simpson & Company, CPAs 5353 S. 960 E., Ste. 102 Salt Lake City, UT 84117 Kenneth Simpson (801) 484-5206 krsimpson@simpson-co.com simpson-co.com Simpson & Company has been a leader in service to community banks in the intermountain area for over 40 years. We offer a wide range of services in auditing, accounting, taxation, and consulting. We provide quality service at a competitive and predictable cost. At our firm, you deal directly with an experienced partner.
UTAH BANKERS ASSOCIATION 25 Snell & Wilmer, LLP 15 W. South Temple, Ste. 1200 Salt Lake City, UT 84101 Brian Cunningham (801) 257-1900 bcunningham@swlaw.com www.swlaw.com Founded in 1938, Snell & Wilmer is a full-service business law firm with more than 450 lawyers practicing in 15 locations including Albuquerque, NM; Boise, ID; Denver, CO; Las Vegas, NV; Los Angeles, CA; Los Cabos, Mexico; Orange County, CA; Phoenix, AZ; Portland, OR; Reno, NV; Salt Lake City, UT; San Diego, CA; Seattle, WA; Tucson, AZ; and Washington, D.C. The firm represents clients ranging from large, publiclytraded corporations to small businesses, individuals, and entrepreneurs throughout the western United States. In addition, Snell & Wilmer is a member of Lex Mund, a leading association of the world’s top 160 independent law firms. Our attorneys are well-versed in collaborating with local counsel around the world through this network to meet our clients’ needs. Snell & Wilmer and its lawyers have been recognized by clients and peers for exceptional legal skills, and ethical and exemplary business practices with various distinguished awards. SPARK 801 Nicollet Mall Minneapolis, MN 55402 Erik Swenson (612) 345-0683 erik.swenson@lendwithspark.com lendwithspark.com For nearly a decade, SPARK has made the origination of SBA and non-SBA loans easier, more secure, and more transparent for our clients and their customers. SPARK digitizes the entire origination process from initial lead capture to funding and is fast becoming the industry standard for SBA lending. Banks, lender service providers and other regulated institutions have used SPARK to originate and fund over $6 billion in loans, including 60,000 PPP loans. Stephens, Inc. 101 2nd St., Ste. 850 San Francisco, CA 94105 Steven Egli (415) 548-6912 steve.egli@stephens.com www.stephens.com Stephens Inc. is an investment banking advisor to a broad spectrum of financial services companies. Representative clients include regional and various community banks and thrifts, consumer finance companies, broker/dealers, wealth managers, insurance brokers and underwriters and third-party administrators. The Financial Services Group serves public and private companies in addition to private equity groups. Since Jan. 1, 2016, Stephens, Inc. has advised on 67 M&A transactions in the banking sector with a total transaction value of $12 billion. In addition to our M&A experience, we have lead-managed or co-managed more than 72 equity and debt offerings in the banking sector since 2016, with a total offering value approaching $7.7 billion.
26 StrategyCorps 100 Westwood Pl., Ste. 400 Brentwood, TN 37027 Emily Harrington (615) 263-7777 emily.harrington@strategycorps.com strategycorps.com As recurring revenue experts with retail banking backgrounds, StrategyCorps brings the subscription revenue model – think Amazon, Netflix, and Spotify – to retail checking. StrategyCorps materially increases the financial productivity of retail checking by generating recurring, consumer-friendly fee income and boosting revenue-generating banking behaviors to deliver about $500,000 of new annual revenue per billion dollars of assets. And their subscription fee-based products are attractive to all demographics, especially millennials and value-based customers. These modern and different products deepen consumer engagement, making the FI more likely to be the primary FI for retail banking needs. The Baker Group 2975 W. Executive Pkwy., Ste. 139 Lehi, UT 84043 Brian Bates (800) 937-2257 bbates@gobaker.com www.gobaker.com The Baker Group is one of the nation’s largest independently owned securities firms specializing in asset/liability and investment portfolio management for community financial institutions. We’ve helped our clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance since 1979. Our proven approach of total resource integration for community financial institutions utilizes software and products developed by Baker’s Software Solutions combined with the firm’s investment experience and advice. Baker is endorsed by five state community banking associations: The Alabama Bankers Association, the Community Bankers Association of Illinois, the Indiana Bankers Association, the North Dakota Bankers Association, and the Independent Bankers Association of Texas.
www.thenewslinkgroup.orgRkJQdWJsaXNoZXIy ODQxMjUw